Multi Factor Authentication
1. What are the security features?
2. How do I get started with the security features?
3. How should I choose the secret answers to my security questions?
4. How much will it cost?
5. Where do I enter my password?
6. When will I be asked to answer my security questions?
7. What is unusual or uncharacteristic behavior?
8. How are you able to detect unusual or uncharacteristic behavior?
9. Will I be asked for more information all the time now?
10. How do I know it is working?
11. Is my personal information still safe?
12. How will this help prevent online fraud?
13. What keeps somebody from stealing my personal security image and text?
14. I check my account very often, wouldn’t I know if something unusual showed up on my account?
15. I share my computer with someone who has a different account. Can both of us still log-in from this computer?
16. My spouse and I have a joint account. Will be both continue to be able to log-in to the account?
17. Can I change my personal security image and text or security questions?
18. I am trying to log-in from my own computer, but the website is not showing me my personal security image and text. What is happening?
19. Will my password change due to the security system?
20. I already have anti-virus and a personal firewall. Why do I need this?
1. What are thesecurity features?
The security features add a layer of protection to your online account by letting you know it’s really us, and letting us know it’s really you.
Letting you know it’s really us – Personalized Image and Name
You pick one of thousands of images, and then give the image a name (name only for bill pay service) to help identify it to you.
Every time you attempt to log into your bank account your image and name (name only for bill pay service) will appear before you enter your password.
Seeing your image and name (name only for bill pay service) will let you know that you are at your real online banking site and not a fake or fraudulent site. This means it is safe to enter your password.
If the correct image and name (name only for bill pay service) do not appear, do not enter your password.
Remember: Once you have signed up, NEVER enter sensitive information such as your password without first seeing your personal security image and name (name only for bill pay service).
Letting us know it’s really you – Security Questions
You will be asked to set-up several security questions that only you should know the answers to.
The security system will recognize the computers you normally use to access your online banking site.
In the future, if you or someone else attempts to log in to your account from a or unrecognized computer, you will need to answer some of your security questions before being allowed to continue.
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2. How do I get started with the security features?
You will be prompted to select your personal image and name (name only for bill pay service) and security questions very soon. You do not need to do anything to initiate this process. When you are prompted, please take a moment to set up your image, name (name only for bill pay service) and questions in order to add an additional layer of protection to your account.
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3. How should I choose the secret answers to my security questions?
Your answers should be something you can easily remember, yet not readily known by others. Try to avoid using answers that will change over time. If you share account access with anyone else, you may want to establish your security questions together so that you both know the answers if you are ever prompted to provide additional information when logging in. Enter your answers carefully as you will need to supply exactly the same answer if you are ever prompted with one of your security questions.
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4. How much will it cost?
There is absolutely no cost associated with the security system. This is just part of our on-going commitment to providing you with the highest levels of security available.
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5. Where do I enter my password?
Due to the security feature, you do not enter your password until you see your personal security image and text. To begin logging in simply enter your user name and click on log-in. You will then see your personal image and text on the next screen where you can safely enter your password to gain access to your account.
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6. When will I be asked to answer my security questions?
You will only be prompted to answer some of your security questions when a particular activity or transaction appears to be unusual or uncharacteristic of your typical behavior.
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7. What is unusual or uncharacteristic behavior?
Uncharacteristic or unusual behavior is anything that appears out-of-the-ordinary compared to how you normally would bank online and where you normally bank online. If the action being requested does not appear to be something you would normally do, we will ask you to answer your security questions to make sure it is really you and not an unauthorized user.
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8. How are you able to detect unusual or uncharacteristic behavior?
The security system takes into account factors such as the type of transactions you ordinarily perform, the computers you typically use to access your account, and the typical security settings for your computer. Hundreds of factors such as these create a profile that is unique to you and allows us to make decisions about whether the person conducting a given activity or transaction within your account appears to be you.
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9. Will I be asked for more information all the time now?
No, you will only be asked for more information when unusual or uncharacteristic behavior is detected. This will most likely be a very rare occurrence.
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10. How do I know it is working?
After you complete the set-up process, the security system will work automatically. That means you are being protected every moment — when you are online and more importantly when you are not. Please note that for your protection, we will periodically ask you to update your questions and answers as well.
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11. Is my personal information still safe?
Yes. In fact, your personal information is safer than ever before because of the additional security enhancements.
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12. How will this help prevent online fraud?
If your user id and password are stolen, the fraudster would have to be able to answer your security questions correctly before being able to access your account or complete a fraudulent transaction. If the user is not able to provide this information, the activity would be blocked. This added layer of security helps us protect your online account at all times. The personal image and name (name only for bill pay service) also help you to ensure that you are always logging in to our legitimate website, not a fraudulent one.
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13. What keeps somebody from stealing my personal security image and name (name only for bill pay service)?
We only show you your personal security image and name (name only for bill pay service) if you log in from a recognized computer or after you have answered some of your security questions. Therefore an unauthorized person will not have access to your image and the name (name only for bill pay service) you give it. Remember: Once you have signed up, NEVER enter sensitive information such as your password without first seeing your personal security image and name (name only for bill pay service).
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14. I check my account very often, wouldn’t I know if something unusual showed up on my account?
It is great that you check your account frequently! It is always a good idea to regularly monitor your account for any unusual activity (like payments you didn’t make). This security service helps prevent those incidences from ever occurring, so when you check your account everything is exactly how it should be.
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15. I share my computer with someone who has a different account. Can both of us still log-in from this computer?
Yes, you can both use the same computer to log-in to your individual accounts. There is no limit to the number of people that can log-in to various websites from the same computer. However, you should consider choosing security questions that only you will know the answer to.
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16. My spouse and I have a joint account. Will be both continue to be able to log-in to the account?
Yes, you can both continue to log on to the account as usual. However, you may want to establish your personal image and name (name only for bill pay service), and security questions together so that you both know the answers if you are ever prompted to provide additional information when logging in.
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17. Can I change my personal security image and name (name only for bill pay service) or security questions?
Yes, you can change your personal security image and name (name only for bill pay service) or security questions at any time. To make the change, go to the services tab after you log-in to your account. Please note that for your protection, we will periodically request that you update the information as well.
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18. I am trying to log-in from my own computer, but the website is not showing me my personal security image and name (name only for bill pay service). What is happening?
This might happen in rare cases. Before answering a challenge question or entering your password, make sure that you are going to our legitimate website. The easiest way to ensure this is by typing our URL directly into your web browser. Then, after you answer the security question, you should see your personal security image and name (name only for bill pay service) next to the password field. If your personal security image and name (name only for bill pay service) are there, you can be confident that you are at our legitimate website and can enter your password.
Remember: Once you have signed up, NEVER enter sensitive information such as your password without first seeing your personal security image and name (name only for bill pay service).
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19. Will my password change due to the security system?
No. Your personal image and name (name only for bill pay service), and security questions and answers are separate from your regular password, which will not change. To further safeguard your accounts, we do recommend that you change your password frequently.
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20. I already have anti-virus software and a personal firewall. Why do I need this?
We are glad to hear you use anti-virus software and a personal firewall. Be sure that you keep both software programs up-to-date for the best possible protection against viruses, Trojans, and hackers. These security features protect against other kinds of threats such as a stolen user id and password. It works with your other personal security programs, but it does not replace them.
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